無人機保險市場規模、佔有率和成長分析（按保單類型、應用、無人機類型、承保範圍和地區分類）－2026-2033年產業預測

全球無人機保險市場規模預計在 2024 年達到 17.5 億美元，從 2025 年的 19 億美元成長到 2033 年的 38.2 億美元，在預測期（2026-2033 年）內複合年成長率為 9.1%。

全球無人機保險市場正經歷顯著成長，這主要得益於無人機在農業、建築和電子商務等領域的日益普及。事故風險和索賠的增加，以及日益嚴格的法規結構，進一步推動了對保險解決方案的需求。塑造市場格局的關鍵趨勢包括基於使用量和按需保險模式、參數型保險、智慧合約以及風險管理方面不斷增強的服務。網路責任等新興風險正在影響市場動態。然而，挑戰仍然存在，例如高昂的保費阻礙了中小企業投保，人們對無人機保險的需求和可用性認知不足，以及普遍認為無人機風險較低。持續創新和競爭壓力對於市場發展至關重要。

全球無人機保險市場促進因素

全球無人機保險市場的成長主要得益於各行業（包括電子商務、建築和農業）對無人機的日益普及。隨著企業將無人機技術應用於配送、監控和測繪等用途，對能夠應對相關風險和責任的綜合保險解決方案的需求也日益成長。這一趨勢與其他保險領域（例如旅遊保險、健康保險和網路保險）的發展趨勢相呼應，這些領域都在開發客製化的保險方案，以滿足特定行業的獨特需求。因此，企業正在積極探索專業的保險產品，以確保獲得充分的保障並降低潛在風險。

全球無人機保險市場面臨的限制因素

高昂的無人機保險費用構成了一大障礙，尤其對於那些使用昂貴設備或在高風險環境中運作的企業而言更是如此。這一經濟負擔可能會阻礙中小企業和業餘無人機操作員購買保險，從而抑制無人機保險行業的成長潛力。這種限制不僅降低了許多潛在用戶的保險取得途徑，也限制了無人機技術在各行業的整體發展和應用，最終影響市場的成長和演變。

全球無人機保險市場趨勢

全球無人機保險市場正經歷著向基於使用量的保險（UBI）模式的重大轉變，這將徹底改變保費的計算方式。保險公司擴大利用風險特徵、飛行模式和運作時間等數據，為每位業者量身打造保單。這種創新方法不僅降低了飛行頻率較低和在低風險環境下運作的營運商的保費，還有助於在整個產業內推廣負責任的使用和安全。隨著技術的進步和日益精密的數據分析，UBI模式的轉變有望推動市場成長，吸引新客戶，並催生無人機領域更個人化的保險產品。

目錄

介紹

• 調查目標
• 調查範圍
• 定義

調查方法

• 資訊收集
• 二手資料和一手資料方法
• 市場規模預測
• 市場假設與限制

執行摘要

• 全球市場展望
• 供需趨勢分析
• 細分市場機會分析

市場動態與展望

• 市場規模
• 市場動態
  • 促進因素和機遇
  • 限制與挑戰
• 波特分析

關鍵市場考察

• 關鍵成功因素
• 競爭程度
• 關鍵投資機會
• 市場生態系統
• 市場吸引力指數（2025）
• PESTEL 分析
• 總體經濟指標
• 價值鏈分析
• 定價分析
• 案例研究
• 技術分析
• 顧客購買行為分析

全球無人機保險市場規模（按保險類型和複合年成長率分類）（2026-2033 年）

• 無人機第三方責任險
• 無人機飛機產物保險
• 無人機機身保險
• 無人機貨物保險

全球無人機保險市場規模（按應用領域及複合年成長率分類）（2026-2033 年）

• 商業的
• 對於個人

全球無人機保險市場規模（按無人機類型及複合年成長率分類）（2026-2033 年）

• 固定翼飛機，多旋翼飛機
• 混合

全球無人機保險市場規模（按承保類型和複合年成長率分類）（2026-2033 年）

• 責任賠償
• 飛機損壞
• 損失或航線補償
• 竊盜險
• 人身傷害賠償
• 其他

全球無人機保險市場規模及複合年成長率（2026-2033）

• 北美洲
  • 美國
  • 加拿大
• 歐洲
  • 德國
  • 西班牙
  • 法國
  • 英國
  • 義大利
  • 其他歐洲地區
• 亞太地區
  • 中國
  • 印度
  • 日本
  • 韓國
  • 亞太其他地區
• 拉丁美洲
  • 巴西
  • 其他拉丁美洲地區
• 中東和非洲
  • 海灣合作理事會國家
  • 南非
  • 其他中東和非洲地區

競爭資訊

• 前五大公司對比
• 主要企業的市場定位（2025 年）
• 主要市場參與者所採取的策略
• 近期市場趨勢
• 公司市佔率分析（2025 年）
• 主要企業公司簡介
  • 公司詳情
  • 產品系列分析
  • 依業務板塊進行公司股票分析
  • 2023-2025年營收年比比較

主要企業簡介

• Moonrock Insurance
• Avion Insurance
• American International Group, Inc.
• SkyWatch
• AIG US
• Coverdrone
• Aligned
• Thimble Insurance
• USAIG
• BWI
• Towergate
• InsureTech Connect
• REIN
• Global Aerospace Inc
• AutoPylot

結論與建議

Global Drone Insurance Market size was valued at USD 1.75 Billion in 2024 and is poised to grow from USD 1.9 Billion in 2025 to USD 3.82 Billion by 2033, growing at a CAGR of 9.1% during the forecast period (2026-2033).

The global drone insurance market is experiencing significant growth, fueled by increased drone utilization across sectors such as agriculture, construction, and e-commerce. Strict regulatory frameworks, combined with heightened accident risks and liability claims, are further propelling demand for insurance solutions. Key trends shaping the market include usage-based and on-demand insurance models, parametric insurance, smart contracts, and enhanced service offerings in risk management. Emerging risks, notably cyber liability, are influencing market dynamics. However, challenges persist, including high premium costs that may deter small businesses from adopting insurance, along with a lack of awareness regarding the necessity and availability of drone insurance, compounded by a common perception that drones pose low risk. Continuous innovation and competitive pressures are critical to market advancement.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Drone Insurance market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Drone Insurance Market Segments Analysis

Global Drone Insurance Market is segmented by Insurance Type, Application, Drone Type, Coverage Type and region. Based on Insurance Type, the market is segmented into Drone Third-Party Liability Insurance, Drone Fuselage Damage Insurance, Drone Hull Insurance and Drone Cargo Insurance. Based on Application, the market is segmented into Commercial and Personal. Based on Drone Type, the market is segmented into Fixed-Wing, Multi-Rotor and Hybrid. Based on Coverage Type, the market is segmented into Liability Coverage, Hull Damage, Loss or Flyway Coverage, Theft Coverage, Personal Injury Coverage and Others. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Drone Insurance Market

The growth of the Global Drone Insurance market is primarily driven by the increasing adoption of drones across various industries such as e-commerce, construction, and agriculture. As organizations integrate drone technology for purposes like delivery, monitoring, and surveying, there is a rising requirement for comprehensive insurance solutions to address associated risks and liabilities. This trend mirrors the evolution witnessed in other insurance sectors, including travel, healthcare, and cyber insurance, where tailored coverage options are developed to meet the distinct needs of specific industries. Consequently, companies are actively seeking specialized insurance products to ensure adequate protection and mitigate potential exposures.

Restraints in the Global Drone Insurance Market

The substantial cost associated with drone insurance premiums poses a significant barrier, particularly for businesses utilizing high-value equipment or those engaged in operations within risky environments. This financial hurdle may dissuade smaller enterprises and hobbyist operators from obtaining insurance coverage, ultimately hindering the growth potential of the drone insurance sector. As a result, this restraint not only affects the accessibility of insurance for numerous potential users but also limits the overall development and adoption of drone technology in various industries, thereby impacting the market's ability to flourish and evolve.

Market Trends of the Global Drone Insurance Market

The Global Drone Insurance market is witnessing a significant shift towards Usage-Based Insurance (UBI) models, which are revolutionizing how premiums are calculated. Insurers are increasingly leveraging data on risk characteristics, flight patterns, and operational hours to tailor policies to individual operators. This innovative approach not only enhances affordability for infrequent flyers or those operating in lower-risk environments but also promotes responsible usage and safety within the industry. As technology advances and data analytics become more sophisticated, the trend towards UBI is expected to drive market growth, attract new customers, and lead to more personalized insurance offerings in the drone sector.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2025
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis
• Case Studies
• Technology Analysis
• Customer Buying Behavior Analysis

Global Drone Insurance Market Size by Insurance Type & CAGR (2026-2033)

• Market Overview
• Drone Third-Party Liability Insurance
• Drone Fuselage Damage Insurance
• Drone Hull Insurance
• Drone Cargo Insurance

Global Drone Insurance Market Size by Application & CAGR (2026-2033)

• Market Overview
• Commercial
• Personal

Global Drone Insurance Market Size by Drone Type & CAGR (2026-2033)

• Market Overview
• Fixed-Wing, Multi-Rotor
• Hybrid

Global Drone Insurance Market Size by Coverage Type & CAGR (2026-2033)

• Market Overview
• Liability Coverage
• Hull Damage
• Loss or Flyway Coverage
• Theft Coverage
• Personal Injury Coverage
• Others

Global Drone Insurance Market Size & CAGR (2026-2033)

• North America (Insurance Type, Application, Drone Type, Coverage Type)
  • US
  • Canada
• Europe (Insurance Type, Application, Drone Type, Coverage Type)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Insurance Type, Application, Drone Type, Coverage Type)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Insurance Type, Application, Drone Type, Coverage Type)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Insurance Type, Application, Drone Type, Coverage Type)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2025
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2025
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2023-2025)

Key Company Profiles

• Moonrock Insurance
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Avion Insurance
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• American International Group, Inc.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• SkyWatch
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• AIG US
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Coverdrone
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Aligned
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Thimble Insurance
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• USAIG
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• BWI
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Towergate
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• InsureTech Connect
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• REIN
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Global Aerospace Inc
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• AutoPylot
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations